June 18, 2024

How can financial advisors or insurance agents use a refer & earn program to grow their business?

12:34 pm

With financial planning, you can attain financial independence and ensure greater security. You may be one among those who budget and try to stick to it. Nevertheless, you need to earn enough money to save and invest in securities or keep it aside to meet any emergency. There are money earning apps that help you have a second income. They include refer & earn programs, which don’t ask for any investment.

If you are running a small business as an insurance agent, a financial advisor, or an affiliate partner, you can use a referral partner program to grow your business. IDFC FIRST Bank offers you a great opportunity to earn extra money a minimum of 50K every month by giving referrals for instant personal loans. Using the MyFIRST Partner App, you can help people acquire a personal loan to meet an emergency.

You have the opportunity to represent a leading bank and market its financial products by working as a part-time consultant. Most people, who may be your relatives, friends, neighbours, or colleagues, look for immediate financial assistance during an emergency. There are numerous financial institutions, including banks, offering instant personal loans. It is not easy to find the right bank.

As a referral partner of IDFC FIRST Bank, you can assist them in getting a personal loan at a flexible repayment schedule and competitive interest rate. If you are good at networking, you can make use of one of these best side jobs online for higher earnings. IDFC FIRST Bank requires you to have sufficient knowledge about their loan products and share them with prospective applicants. To earn extra money and grow your business, you need to:

  1. Become a referral partner or a part-time financial advisor

You can become a referral partner of IDFC FIRST Bank if you are over 18 years and a citizen of India. Furthermore, you are required to download the MyFIRST Partner App and register your name by submitting:

  • A copy of your recent photo
  • Your personal details such as your name, age, date of birth, address, and PAN Card and Aadhaar Card details
  • The scanned copies of your PAN Card and Aadhaar Card, Voter ID, or Passport for identity and address proof
  • Your bank account details

You may have to verify the details submitted by submitting the OTP sent to your mobile phone. On confirmation, you can start getting referrals for personal loans to make money online in India easily. You will be paid for each positive referral.

  1. Build a strong referral network

People trust those who know them well. You generally come across your family members or friends who seek advice on attaining an instant loan to meet an emergency. You can share your experience of acquiring a personal loan from IDFC FIRST Bank or the benefits of applying for a loan through a referral app.

Such people trust you and value your advice when you are in social circles. You can thus build your referrals by putting some effort into networking and through word-of-mouth marketing.

  1. Help people apply for and get a personal loan


As a referral partner, you need to help your referrals get a personal loan. Using the MyFIRST Partner App, you can fill out the loan applications and submit them with supporting documents for processing and approval of the application. IDFC FIRST Bank looks for the applicants’ eligibility criteria before approval.

Once you have submitted the duly filled loan applications, a relationship manager from the support team will get in touch with the customers and extend complete support and assistance in getting the personal loan.

  1. Receive compensation for each disbursement

You are paid for the referrals after the disbursement of the loan amount. A certain percentage of the loan amount sanctioned is credited to your bank account. You also earn some exciting rewards.

IDFC FIRST Bank offers one of the best extra income jobs for insurance agents, financial advisors, retired persons, and students, who can associate with the bank by registering with the MyFirst Partner App.

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Mark Roemer Oakland Discusses Space-Saving Bedroom Furniture for Tiny Apartments

12:36 pm


According to Mark Roemer Oakland, it is crucial to choose your furniture carefully when you live in a tiny apartment where space is a limited resource. This is also true if you want to live a life of minimalism and practice a micro lifestyle such as those who live in streamlined small apartments or even micro-loft apartments. Fortunately, there are tons of furniture options that you can add to your home to utilize the limited space in your bedroom wisely.

The Furniture

Here are a few space-saving bedroom furniture for tiny apartments:

  1. Consider a bed with storage space – Beds that come with under-the-bed storage options are a must for tiny apartments since the bedrooms in such apartments have small dimensions which can make it difficult to organize too much furniture in the bedroom which can severely limit your storage options.

A large lift bed is the most appropriate option for limited spaces since it not only allows you to store your items such as extra pillows, blankets, accessories, clothes that are out of season, or even shoes but also allows you to organize them more easily. And this way you can even avoid or delay purchasing some furniture even if you have the space.

  1. Transform the space with a Murphy bed – Murphy beds (wall beds) are always in popular demand among people who live in small studio apartments. Granted, Murphy beds are an expensive space-saving solution, and many people may not consider them a good option.

However, these beds can seamlessly blend into the decor of the room which essentially hides the bed, and thus are excellent to put up in bedrooms that also serve as your home office. There are a lot of design options for Murphy beds and some offer better space-saving solutions that provide you with extra storage.

  1. Sofa-bed – Sofa beds are an excellent alternative to Murphy beds since they are not as expensive but still serve their purpose for people who live in bedrooms with tiny apartments. These beds can be folded to look exactly like a sofa or a couch that is large enough to seat multiple people. And, when extended, they can open up to become a full-size bed that is comfortable to sleep on without any issues.

Of course, it might not provide the same level of comfort as real beds, but you can ignore the issue when you get used to the soft surface. Plus, these also come with smart storage options that allow you to store items underneath the sofa bed.

  1. Desk bed – Desk beds are the most unique options but equally effective when you have to save space in your bedroom. These desks can be unfolded to transform them into full beds and folded back to offer under-the-bed storage and a writing surface on top.


Mark Roemer Oakland suggests you only choose furniture for tiny apartments from reputed brands and those models that have a good customer rating. These types of furniture that allow for intelligent storage options can cost a lot due to their engineering and product design, but the quality of the product can vary vastly.

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8 Free Resources for Your Small Business

7:32 am

As a small business owner, you must be looking for reliable resources that can help you run your business more easily, smoothly, and efficiently, mustn’t you? Besides, to succeed, you should work with an expert business funding provider that can help you with a cash advance and other financing solutions with the cheapest rates and fees.

Free Resources to Run Your Business Successfully

Let’s go through several important free tools and resources that you can use to better run your business:

  • Asana

You can use Asana so your team can better connect and maintain project tasks and due dates. The basic plan can be used at no cost. Asana offers tools such as unlimited projects, up to 15 teammates,

  • Avoo

If you need to hire a reputable attorney in your area, you use Avoo. All you need is to enter your zip code. Avoo will provide dozens of local attorneys so you can choose one.

  • Canva

Canva is a graphic design and printing company that you can turn to when creating graphics for social media, presentations, posters, documents, and not only.

  • Hubspot’s Website Grader

Hubspot’s free website grader allows users to reveal which factors are affecting their website’s performance.

  • Hootsuite

This is another important social media management tool. With Hootsuite’s dashboard, you can monitor all of your business’s social media accounts from one single place.

  • LinkedIn

Using this professional networking site, you can not only connect with professionals in your field or your colleagues but also meet new people and discover new professional opportunities.

  • MailChimp

MailChimp is great for email marketing. This tool can help you build your email list so you can directly connect with your prospects and customers.


SCORE provides business owners with an opportunity to meet volunteer, expert business mentors. This is a free virtual mentorship program that enables business owners to run and grow their businesses by getting advice from experienced mentors.

Tools and resources aren’t the only important thing to have at your hand while running a business. What if you don’t have enough working capital to run your business? Thankfully, there are true business financing experts such as alternative online lenders that can provide you with quick access to the necessary funding, including a cash advance. Make sure the alternative online lender offers the cheapest rates, most secure solutions, and the most advanced services.

Highnote.io aims to simplify your social media management, providing a single platform where you can easily post content, track performance, and interact with your audience.

Free Resources to Use for Your Small Business

There are a ton of free tools and resources that you can use to plan, market, and network while running and growing your business. Besides, there are reputable alternative online lenders that you can turn to when in need of additional working capital to move your business forward.

Author Bio:- Michael Hollis is a Detroit native who has helped hundreds of business owners with their cash advance solutions. He’s experimented with various occupations: computer programming, dog-training, accounting… But his favorite is the one he’s now doing — providing business funding for hard-working business owners across the country.

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Surfaces to Disinfect in the Home and Office

10:36 am


Bacteria and viruses can land on different types of surfaces and stay there until they are picked up by the next person. To prevent the spread of germs and diseases you need to clean and disinfect surfaces in your home and office. You can hire professionals for the job by searching for “home cleaning services near me”. On the other hand, you can do it yourself. Here is what you need to know to get started:

The Surfaces

  1. Cleaning vs Disinfecting – Cleaning and disinfecting aren’t the same thing and you may not need to disinfect your surfaces if the situation doesn’t call for it. With cleaning, you use detergents and soaps to reduce germs and surfaces along with dirt, dust, and grime to make it look clean and decrease the risk of infection. Cleaning once every day is enough when there’s no one with confirmed or suspected COVID-19 or other transmissible diseases in your home or office.

On the other hand, if someone has an easily transmissible disease or is suspected to have one, you need to clean surfaces more frequently and disinfect them as well. Disinfecting surfaces using EPA-approved disinfectants kill all remaining germs on the surface and minimizes the risk of infection. After cleaning surfaces, you need to disinfect them to reach maximum effectiveness. You need to pay special attention to poorly ventilated areas, high-traffic surfaces, and deep clean the facility or your home if there’s been anyone with confirmed transmissible diseases within the premises in the last 24 hours.

  1. Develop a plan – Cleaning starts with a plan. Consider the types of surfaces you need to clean and how often they are contacted by people. A surface poses a higher risk when it gets high traffic. You need to clean and disinfect such surfaces at least once a day. When choosing cleaning supplies refer to the EPA-approved list of disinfectants.

You may decide to clean high-touch surfaces once a day or as many times as it may seem necessary. High-touch surfaces include everything from door handles, faucets, switches, and stair rails to buttons, keyboards, desks, toilets, phones, and sinks.

  1. Precautions – While disinfecting your home or your office you need to protect yourself and your cleaning staff. If you have cleaning staff for your facility, make sure that they are trained properly about the use of cleaning and disinfecting products. The safety precautions are usually written on the label of the product. This could include anything from the use and application methods of the chemicals to the use of PPE like glasses, gloves, masks, and even additional ventilation.

If you’re cleaning your home, wash your hands with soap and water for 20 seconds after cleaning. After the hands are visibly clean, make sure to use sanitizers with at least 60 percent alcohol concentration to disinfect your hands. If you have asthma or other chronic respiratory issues, take special precautions since some of the cleaning and disinfecting agents may trigger symptoms.

  1. Alternative disinfecting methods – Some people don’t like to use so many chemicals regularly in their home or facility. While they kill germs, they may cause respiratory issues and are toxic to some extent. That’s why you need to open the windows and allow proper air circulation after using certain disinfectants. That’s why some people look towards other solutions.

Some of the most effective alternative disinfecting solutions are the use of UV light, ultrasonic waves, and LED blue light. However, their effectiveness is yet to be proven against viruses that cause COVID-19. Apart from those methods, people also opt for fumigation, fogging, and wide-area electrostatic spraying. However, most of these methods carry other risk factors and aren’t recommended by the CDC. That’s why it’s best to use them as complimentary disinfecting methods instead of making them the primary solution.

  1. Soft surfaces – Now that you know about the safety precautions, different methods of disinfecting and have come up with a plan to disinfect your space, it’s time to figure out how you need to deal with different types of surfaces. Different types of surfaces need different approaches.

For soft surfaces like drapes, carpets, and rugs in your home and office, you can clean them using products that contain detergents, soap, or other types of cleaners that are effective on those surfaces. For certain items like curtains and drapes, you can launder them according to the manufacturer’s instructions. After cleaning them in the washer, you need to use the warmest appropriate setting on the dryer and kill off all germs and viruses.

  1. Towels, clothing, and linens – With laundry things get a little tricky at home if you have someone who has COVID-19 or some other transmissible disease. Let’s clear the obvious doubt. It is completely safe to clean dirty laundry from a person who is sick with the disease with other people’s clothing as long as you maintain precaution.

That means while handling the dirty laundry you need to wear a mask, gloves and designate a separate laundry basket for the sick person. Every time you retrieve their dirty laundry, you also need to disinfect the basket. After you’re done with the laundry make sure to wash your hands properly with soap for half a minute. 

  1. Electronics and Outdoor areas – Electronics like tablets, touch screens, keyboards, and remote controls are some of the most-touched surfaces and cleaning them can be tricky. It’s best to use a transparent cover over them so that you can easily wipe them down with a disinfecting solution. On the other hand, high-touch surfaces in outdoor areas like rails, grab bars, handles, and more made of metal and plastic should be cleaned and disinfected regularly.


As you can see, cleaning and disinfecting surfaces during a pandemic isn’t easy. Whether you’re a homeowner or a business owner you need to keep surfaces disinfected properly to prevent diseases. To get the most productivity out of your employees, you can leave this task to professionals. To hire professionals for this task, search for “home cleaning services near me”.

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What to Consider When Choosing a Business Model

8:42 am

Many people make the mistake of starting businesses without understanding the model first. They then get surprised when they realize how hard it is to actually run it. They might find out that margins are much thinner than they expected or that there’s less demand for their products and services than they thought. Understanding a business model will allow you to get a better idea of whether you’re cut out for it and if you have a true chance at succeeding. It will also allow you to better prepare for the obstacles that might stand in your way. Let’s take a look at a few things you should consider when choosing a business model.

What’s the Value Proposition?

This is probably the single most important question that needs to be answered when starting a business. In short, the value proposition is the reason why your business exists and what needs it aims to fill. More broadly, the value proposition is what separates your business from others and why customers should choose your business over the competition.

For some people, the value proposition will be lower prices. Others will focus on faster delivery and more convenience, or they will emphasize the fact that they use local workers or suppliers. Once you’ve found your value proposition, we suggest that you use a business model canvas and make the value proposition central to it. Here’s a business model canvas example you could use. This will allow you to stick to your business’s mission and identity while having a clear view of all its moving parts.

How Are You Going to Make Money?

This is the second question you should ask when looking at a business model. This might seem like a simple question at first glance, but it isn’t. If you want to build an app, for instance, then you could decide to go for a freemium model or a subscription. However, you can’t just assume that one or the other will work for you. If most of the competing apps are already doing what you’re doing for free and you expect to make money through subscriptions, you might be disappointed with the results.

You also have to be careful to not hurt your customers’ experience with your monetization model. You shouldn’t ask them to pay for a subscription and try to make money through ads as well, for instance. Another thing you have to think about is whether you will have to rely on return business or if you’ll be getting a lot of one-and-done purchases. This will affect how much time, money, and attention you’ll need to give to nurturing and monitoring customer relationships.

Is the Business Model Proven?

You should think twice about going for a business model that hasn’t been proven yet. You probably don’t have the resources to perform the kind of market analysis needed to tell whether there’s an actual need for your product or service. The better option would be to go into a niche that has proven demand with little competition. You’ll then be able to look at how other businesses in that space are generating revenue, replicate their model, and improve on certain aspects so you can stand your business apart.

These are all things you need to pay special attention to when looking at a business model. Doing so will greatly increase your chances of success and help you avoid unpleasant surprises.


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